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Interstate

Anaheim, CA · Charter 15030

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Interstate

Anaheim, CA · Charter 15030

Q3 2014

$19.9MAssets
$4.3MLoans
$15.3MShares
$4.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.31%, up 65 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 0.19% of loans (-231 bps YoY).
  • Capital: net worth / assets of 22.69%, down 136 bps from a year ago.
  • Funding: loans stand at 28.04% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.31%+65 bps YoY

Net Interest Margin (YTD, annualized)

1.86%-35 bps YoY

Efficiency Ratio (YTD, annualized)

114.85%-2,347 bps YoY

Net Worth / Assets

22.69%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.96%-0.94%-0.33%-0.40%-0.31%+65 bps
Return on Equity-3.99%-3.92%-1.39%-1.72%-1.36%+263 bps
Net Interest Margin2.21%2.20%1.96%1.83%1.86%-35 bps
Efficiency Ratio138.32%131.66%115.07%119.42%114.85%-2,347 bps
Growth
Asset Growth (YoY)-11.77%-10.00%-11.50%-4.12%3.99%+1,576 bps
Loan Growth (YoY)-18.56%-20.17%-21.15%-20.81%-13.77%+479 bps
Share Growth (YoY)-14.21%-11.85%-13.79%-4.38%5.87%+2,008 bps
Asset Quality
Delinquent Loans / Loans2.50%1.72%1.02%1.66%0.19%-231 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.37%2.62%2.02%1.57%1.43%-93 bps
Capital
Risk-Based Capital24.05%24.03%23.74%23.16%22.69%-136 bps
Net Worth / Assets24.05%24.03%23.74%23.16%22.69%-136 bps
Liquidity & Funding
Loans / Shares34.43%33.27%31.10%29.37%28.04%-639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps